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广东银行称未接到提高房贷首付通知
www.jspwl.net  2007/8/6 9:17:00    阅读次数:9039  

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  百姓担心“更难买房”;银行不愿“业务萎缩”;仍有房贷“首付两成”

  本报今天消息记者刘薇报道:房贷首付比例将要从目前的三成提到更高?昨日,北京有消息称,银监会明确表示“希望提高房贷首付”。记者今晨咨询省内几家银行,均称还没有收到总行通知或文件,眼下仍执行最低三成的标准。

  该消息称,大概一周前,中国银监会主席刘明康有一个讲话,希望商业银行提高首付,一方面是为控制银行信贷规模,另一方面是目前一些地区房价上涨得十分厉害。此消息若属实,则是自2006年6月1日商业银行住房贷款首付比例限定为“最低不得低于30%”之后,购房首付的再次调高。

  “如果真的提高首付,我就更买不起房了。”今早,获知传闻的成小姐告诉记者,自己想买一套50万元以内的房子,按照首付三成的比例,能够接受的最高额就是15万元,若将这一门槛提至四成、五成甚至更高,要么缩小总价,要么就直接放弃买房。记者今晨随机采访的几位准购房者都表示,若提高首付比例,最直接的后果就是增加买房者的压力。

  银行业界也不叫好。“现在企业贷款风险较高,住房按揭可以说是银行的优质资产,风险低,利润高,银行都很看重这一块,如果提高了首付比例,业务量很可能萎缩。”一位银行房贷部门人士称。

   onclick="activateYQinl(this);return false;" href="http://www.iask.com/n?k=%B1%B1%BE%A9%B4%F3%D1%A7" target=_blank>北京大学 onclick="activateYQinl(this);return false;" href="http://www.iask.com/n?k=%D6%D0%B9%FA%BE%AD%BC%C3" target=_blank>中国经济研究中心兼职教授徐滇庆认为,提高房贷首付,名义上似乎可以降低房贷风险。然而,在正常情况下,房贷首付20%已经将风险概率降低到0.5%以下,再降低一些,在统计上已经没有意义。但提高首付却伤害了对 onclick="activateYQinl(this);return false;" href="http://www.iask.com/n?k=%B7%BF%B5%D8%B2%FA" target=_blank>房地产的正常需求,依靠房贷购房的大多是普通百姓。

  “毫无疑问,提高首付确实可以抑制房地产投机。”徐滇庆指出,如果某投机者有100万元,当首付标准为20%时,他可以炒作五套100万元的住宅。如果首付标准提高到30%,他就只能炒三套了。尽管如此,由于炒房者往往有较雄厚的资金,他们未必在乎首付比例的高低。除非房地产业已出现严重的倒买倒卖,否则用不着提高首付。

  记者今早还了解,在去年,也曾出现过首付门槛要提高至五成或七成的说法,但最后不了了之。在央行严厉的楼市调控政策相继出台后,银行也的确一度收紧房贷,不过随着市场供需不减,一些银行又不断开发出了房贷新品来满足购房者需求,不久前省内一家大银行甚至推出优惠期,将优质客户的房贷首付又调回至两成。

  央行:未发布任何消息

  据报道,对于提高首付的传闻,央行新闻处人士回应:目前央行没有发布任何消息。房贷首付需要考虑多方面因素,不光要考虑防范金融机构的风险问题,还要考虑消费者的承受能力。

 
   
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